Do you need a better way to compare cheaper Nissan Xterra insurance in Lexington? Searching for cheaper insurance for a Nissan Xterra in Kentucky could be a painful process, but you can learn a few tricks and make it easy.
There are more efficient ways to compare insurance rates so we’re going to tell you the best way to quote coverages for a new or used Nissan and get the best price possible from both online companies and Lexington agents.
You should make it a habit to quote other rates as often as possible since rates change regularly. Just because you found the best deal on Nissan Xterra insurance in Lexington a year ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn the things you must know in order to get good coverage on Nissan Xterra insurance in Lexington at a lower rate.
If you’re already insured or need a new policy, use these techniques to save money and still have adequate protection. Comparing rates for affordable insurance in Lexington is not as confusing as people think. Vehicle owners just have to understand the quickest method to compare rate quotes online.
Components of Your Nissan Xterra Insurance Rates
Part of the insurance buying process is learning the different types of things that come into play when calculating the rates you pay for insurance. When you understand what influences your rates, this enables informed choices that could help you find better insurance rates. Many things are used in the calculation when premium rates are determined. Some factors are common sense like your driving record, although others are less apparent like your vehicle usage or how financially stable you are.
Improve your credit rating and save – Having a good credit rating can be an important factor in determining your rates. Drivers who have very good credit scores tend to be more responsible than drivers with lower ratings. If your credit history is low, you may save money insuring your Nissan Xterra by improving your rating.
Getting married is a good thing – Your spouse actually saves money on insurance. Having a spouse demonstrates that you tend to be more mature and insurance companies like that married drivers tend to file fewer claims.
High performance equals high costs – The type of car or truck you need to insure makes a huge difference in your auto insurance rates. The most favorable rates are usually found on low performance passenger vehicles, but the final cost of insurance is determined by many other factors.
The data below assumes a married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Nissan Xterra insurance premiums compared to other models that have a range of performance rating factors.
Better prices on cars with good safety ratings – Vehicles that have high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders.
Vehicle theft costs us all – Selecting a car model with a theft deterrent system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.
File insurance claims and pay more – If you are the type of insured that files lots of claims don’t be surprised to see either policy cancellation or increased premiums. Auto insurance companies in Kentucky award the best rates to people who are not frequent claim filers. Insurance coverage is intended for the large, substantial claims.
Good drivers have lower rates – Just one moving violation can increase the cost of insurance substantially. Good drivers pay less for auto insurance as compared to those with violations. People who have careless citations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with the DMV in their state in order to prevent their license from being revoked.
The information below highlights how speeding tickets and fender-benders raise Nissan Xterra annual premium costs for different age groups. The premium estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
Cheaper rates by bundling – The majority of insurers afford lower prices to clients that have more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to compare Nissan Xterra rates in Lexington to confirm you are receiving the best rates possible.
Loss statistics for a Nissan Xterra – Insurers analyze claim trends for every vehicle to help determine rates. Models that statistically have a trend towards higher claim severity or frequency will have higher rates for specific coverages.
The table below shows the collected loss data for Nissan Xterra vehicles. For each type of coverage, the statistical loss for all vehicles, without regard to make or model, is considered to be 100. Numbers under 100 indicate better than average losses, while values over 100 point to more claims or an increased likelihood of larger losses.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Xterra 4dr 2WD | 57 | 95 | 45 | |||
| Nissan Xterra 4dr 4WD | 62 | 100 | 63 | 59 | 77 | 86 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Nissan Xterra coverage statistics
The premium information below highlights different insurance costs for Nissan Xterra models. Understanding more about how rate quotes are figured is important for drivers to make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Xterra X 2WD | $190 | $282 | $368 | $22 | $110 | $972 | $81 |
| Xterra S 2WD | $190 | $282 | $368 | $22 | $110 | $972 | $81 |
| Xterra S 4WD | $190 | $282 | $368 | $22 | $110 | $972 | $81 |
| Xterra X 4WD | $190 | $282 | $368 | $22 | $110 | $972 | $81 |
| Xterra Off Road 4WD | $216 | $360 | $368 | $22 | $110 | $1,076 | $90 |
| Xterra SE 2WD | $216 | $360 | $368 | $22 | $110 | $1,076 | $90 |
| Xterra SE 4WD | $216 | $360 | $368 | $22 | $110 | $1,076 | $90 |
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in specific zip code location which can lower or raise auto insurance rates substantially.
The example below demonstrates how deductible levels and can affect Nissan Xterra insurance prices for different age groups. The data assumes a married male driver, comp and collision included, and no discounts are applied to the premium.
Insurance rates based on gender
The chart below visualizes the comparison of Nissan Xterra car insurance rates for male and female drivers. The rates are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.
Discounts can help save money on Nissan Xterra insurance in Lexington
Companies that sell car insurance don’t always list all discounts in an easy-to-find place, so the list below contains both the well known as well as the least known discounts you could be receiving when you buy Lexington auto insurance online.
- No Claim Discounts – Insureds with no claims or accidents can save substantially as opposed to bad drivers.
- Student Driver Training – Have your child successfully take a driver’s education course as it can save substantially.
- Auto/Home Discount – When you combine your auto and home insurance with one company they may give you a discount of at least 10% off all policies.
- Federal Employees – Active or retired federal employment could provide a small rate reduction depending on your car insurance provider.
- Memberships – Belonging to qualifying employment or professional organizations can get you a small discount on your policy.
Discounts lower rates, but some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like you could get a free car insurance policy, companies don’t profit that way.
The chart below shows the comparison of Nissan Xterra auto insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, no accidents, no driving violations, Kentucky state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, multi-policy, homeowner, and marriage discounts applied.
A few companies that may offer these benefits are:
If you need affordable Nissan Xterra insurance quotes, ask all companies you are considering which discounts you qualify for. Some discounts listed above may not be available in your area. To choose insurers with discount rates in Kentucky, follow this link.
In the end, you can save money
Cheap Nissan Xterra insurance in Lexington is possible both online as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not offer rates over the internet and usually these small, regional companies work with independent agencies.
When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone dropped comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest price, but don’t skip important coverages to save money.
People leave their current company for many reasons like delays in responding to claim requests, not issuing a premium refund, policy non-renewal and high prices. No matter why you want to switch, choosing a new company can be pretty painless.
How to find cheaper Nissan Xterra insurance in Lexington
The recommended way to find cheaper prices for Nissan Xterra insurance in Lexington is to start doing a yearly price comparison from insurance carriers that sell auto insurance in Kentucky.
- Try to comprehend how companies set rates and the things you can control to lower rates. Many rating criteria that result in higher prices such as tickets, at-fault accidents, and poor credit rating can be amended by making minor changes to your lifestyle.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like Progressive or Allstate, while independent agencies can quote prices for many different companies.
- Compare the new quotes to the premium of your current policy to determine if you can save on Xterra insurance. If you find a lower rate and change companies, ensure there is no coverage lapse between policies.
One tip to remember is to use identical deductibles and limits on each quote request and and to get price quotes from as many auto insurance providers as possible. This helps ensure the most accurate price comparison and and a good selection of different prices.
Other articles
- Vehicle Safety Ratings (iihs.org)
- Who Has Cheap Car Insurance Rates for a School Permit in Lexington? (FAQ)
- How Much is Car Insurance for Teachers in Lexington? (FAQ)
- What Car Insurance is Cheapest for a Toyota 4Runner in Lexington? (FAQ)
- How Much are Auto Insurance Rates for Immigrants in Lexington? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Teen Driving Statistics (GEICO)
- Help Your Teen Be a Better Driver (State Farm)